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In today's episode Cliffunya & Kisha will discuss what a credit charge -off is and how to dispute any inaccuracy on your credit report.
What is a Credit Charge-off? After a certian amount of time of non-payment creditors will write off an account balance.
Charge-off is difficult to remove but there are ways to dispute a charge-off which may result in it being removed from your credit report .
Unpaid charge-off can also lead to legal action (as long as the debt is within the statue of limitations).
If the statue of limitations has ran out a debtor can no longer be sued and the debt becomes uncollectable.
Account balance. Has the account been transferred or sold to a collection agency? If yes, the account balnce should show zero.
The original creditor who has sold or transferred cannot continue to report a balance owed.
Dispute the balance and ask for deletion.
Always ask for a deletion of the entire account because corrected negative informaiton doesn't improve your credit score. Keep in mind the creidt bureaus are not required to delete incorrect informaiton only to correct it.
Areas that can be disputed:
Open Date of Account
*Remember charge-off 48 months or older are no longer being used to calcuate your credit score.
Use caution when disputing charge-off you run the risk of lowering your credit score if the dispute returns verified as correct .
AUTHOR AND FINANCIAL WIZ PAUL D. JONES LAUNCHES NEW BOOK WITH A SPRING TOUR
Well respected for his sage financial guidance and practical self-help modules, the nationally known author and Certified Financial Education Instructor, Paul D. Jones is set to take on 2016 with a plethora of new platforms, including a fresh new title, "I Quit" (Being Broke).As CEO of Jones Marketing Group, Inc., he is afrequent guest on radio and TV, taking his mission to 'Improve the lives of as many people as possible' across the country and throughout the airwaves as well. After the back-to-back successful releases of "Who Told You...You Were Broke?" "Schedule for Success," and "What You and Your Kids Need to Know About Credit," Jones is offering yet another impressive perspective to one's financial advancement with his latest book, "I Quit" and a subsequent book/lecture tour accompanying it-commencing early spring of 2016.
After all of the hype and hoopla dies down in Cali, Jay and Dre are here to get into the meat and potatoes of the actual Big Game. Peyton Manning's HGH chicken parm, Cam Newton's racial politics and polarizing personality, Peyton's possible last game, Josh Norman and Carolina's edgy and possibly dirty defense--put all the storylines aside. It comes down to the AFC champion Broncos versus the favored NFC champion Panthers. Though Dre has already clinched the picks title, the boys will break down the 50th annual Super Bowl and cut through the BS In Much Less Detail to decide: Denver or Carolina...WHO YA GOT???
Theme music credit: "Breaking Bad" by Jahzzar
CC BY-SA 3.0
Brought to you by http://xdi.com
The Power of Performance, if your brand were a band, would you leave the audience wanting more?
With the Iowa Caucuses behind us and the primary season before us, its a great time to visit with NAFCU's Director of Political Affarirs Dan O'Brien. Dan will talk to us about the impact political events have on the credit union marketplace and the importance of staying engaged in the political process at every level. Join us for a great show, listen live or later.
O'Brien administers NAFCU's Political Action Committee (NAFCU/PAC) and manages critical grassroots and coalition-building activities that impact credit union issues on Capitol Hill. He also is involved with NAFCU's lobbying efforts on Capitol Hill.
Hey there Tea Sippers!! How many of you are OVER Ms. Stacey Dash's comments about Black History/Herstory Month? How many are OVER the fact that BHM seems to only focus around Malcolm, Martin, Rosa, Fredrick and George Washington Carver? Well, I am going to take a different stab at this issue as I will be Dishing Tea on the critically crucial involvement of a man who was the Originator, the Architect, the Organizor, the Blueprint, the Administrator of what we now know as The Civil Rights Movement. Often times, we have heard folks battle with the LGBT community about why and how The CRM is different from The Human Rights Movement aka Gay Rights Movement; however most folks either have not paid attention to, don't want to give credit to, or have no clue that The CRM was DESIGNED by a Black Gay Man named Bayard Rustin!
Rick Wiles greets trend economist and joint partner in Jim Sinclair’s Mindset, Bill Holter, to discuss the impending crash of the global credit markets. Rick will also be joined by Pastor Rafael Cruz, the father of GOP contender Ted Cruz, to make the case to America once more, why we as a nation must return to our Judeo-Christian values or face ruin.
The literal millions who have read Dan Millman’s books know that he approaches the complex topic of life’s meaning with a unique and exceedingly appealing blend of wisdom, wit, and practicality. His insights connect with people where they are — and then move them forward. Those at a crossroads, facing a challenge, or simply seeking a deeper understanding of themselves and the workings of the world will find realistic, doable action steps. These practices amount to the kind of “Humanity Curriculum” many of us never studied. As readers Learn Life’s Lessons, Find Career and Calling, Discover Life’s Path, Attend to the Arising Moment, and for “extra credit,” Explore Spiritual Purpose, insights accumulate. Direction is clarified and the authentic and unique life purpose each of us is meant to live illuminated.
We will be talking and helping people to empower themselves to create the life that they want to live.
Life in the Universe,Life in the Hologram is just one of the many shows Madeline has hosted since joining the global world of radio in 2007. Her cosmic adventure began in the Sedona, Arizona known for its mystical and magical energy. She has over thirty years working as a student of the spiritual, metaphysical, as well as new age, and business.This expanded understanding gives her a global appeal not just too world-renowned guests but to her listeners that follow her show, Life In The Hologram as well as her social media outlets worldwide.
About Karla Kupres She has a diverse background in Neuro-Linguistic Programming as a Certified Practitioner from the American Board of Neuro Linguistic Programming and the National Federation of Neuro-Linguistic Psychology. A graduate of Neuro-Associative Conditioning Systems Professional Certification Training with Robbins Research International, a Mastery University Graduate of Anthony Robbins and a student at Robbins Madanes Coach Training Inst
This Week's Episode: T.E.A Time- Credit Restoration Specialist & Author Derrick Pickett comes on this week and shares his personal story with our audience In his own exuberant and professional style, practical advice and techniques for how to get out of a bad credit situation and make your life more rewarding.Derrick Pickett's new book: The Credit Game How to Play & Win - A Guide to Credit Restoration For Single Women is now available on Amazon http://www.amazon.com/The-Credit-Game-How-Play/dp/0692602607
T.E.A Time- A acronym for The Entrepreneurial Academy -slogan "Thrist For Enrichment & Achievement For Your Small Business Development is a interactive project developed by LouddMouth Radio Producer Sabrina Sonny Jones-Smith to provide tools & resources to new & existing entrepreneurs throughout the world through the LouddMouth Media Brand. LouddMouthradio.com reaches listeners online on http://stitcher.com & http://tunein.com two dynamic podcasts platforms reaching over 50 million+ active monthly listeners & 4 million in car dashboards.
in Self Help
Tonight show will be dedicated to Dr. Delbert Blair, top Metaphysician, whom passed form 01-31-2016. Bro. Tarhaka Amaana El Bey, radio host and specialized Moor, who had help many to eliminate debt, credit cards and foreclosures, child support and more.
Playing Forgotten Music of the old 78 records S3productions
Glenn Miller and Tito Schipa My 20 cents of Music
Glenn Miller & His Orchestra – It Was Written In the Stars
Tito Schipa Rigoletto-La Donna e mobile (Woman is Fickle)
O Sole Mio (My Sunshine)
All credit due to the artist, musicians and Record Companies. No profit or income derived from this podcast. Have a historic 78 RPM and story you want to share with my listeners? Contact me at: www.facebook.com/s3productions2 or firstname.lastname@example.org
Glenn Miller & His Orchestra – It Was Written In the Stars / Johnson Rag
Black Label: Bluebird – B-10498
Record Company – RCA Manufacturing Co., Inc.
Format: Shellac, 10", 78 RPM
A: It Was Written In the Stars
Vocals [Refrain] – Ray Eberle Composer – Cole Porter
Side A - From the musical production, "Dubarry Was a Lady".
B: Johnson Rag
Composer – Guy Hall, Henry Kleinkauf
Red net. 11:30 P.M. A band remote from The Cafe Rouge of the Hotel Pennsylvania, New York City. The first tune is, "Johnson Rag." According to http://www.oldtimeradiodownloads.com/
Glenn Miller - Glenn Miller's Music 40-01-05 First Song
Victor Records 1099
A: Rigoletto-La Donna e mobile (Woman is Fickle)
Act 3 Verdi
Performed by Tito Schipa
Tenor with orchestra in Italian
B: O Sole Mio (My Sunshine)
Giovanni Composers Capurro – Eduardo Di Capua
Performed by Tito Schipa
Tito Schipa 27 December 1888 – 16 December 1965) was an Italian tenor di grazia
Frank Lee, founder, director, and case manager for The C.A.S.P.I.R. Paranormal Team (Central Alabama Society for Paranormal Investigation & Research) and host of the Paranormalities & Ponderings Radio Show, is a veteran paranormal investigator who has a background in several areas of study in science and technology including electronics, communications, biology, microbiology, environmental science, and medical studies. He has always had a deep love for science and history and a passion to learn more about the afterlife following a near death experience he had as a child. Lee feels that all knowledge gained from paranormal research should be utilized to help others. He also loves teaching others about the paranormal and promotes education and unity in the field of paranormal research.
The C.A.S.P.I.R. Paranormal Team has been Lee’s first experience as a founder/director and most challenging by far, but he gives credit to the team members for their hard work in truly making things happen. Aside from his role on the team, Lee helps mentor newer teams, educates people in the community about paranormal investigation, works with paranormal authors to conduct research for their books, is in the process of writing a his own book, writes a blog designed to provoke thought in the paranormal community, is an advocate for paranormal unity between teams and researchers, works as a paranormal consultant for news and media production companies, and hosts a weekly online paranormal radio show called Paranormalities & Ponderings.
C.A.S.P.I.R. focuses more on the people affected by paranormal activity instead of only the location where it occurs. C.A.S.P.I.R. takes on many complex cases whether it is people who feel that paranormal activity has followed from one location to another or something more sinister... The C.A.S.P.I.R. Paranormal Team is there to help.